Introduction

What is a Debit Card?
A debit card is a plastic card issued by banks to customers. The card allows instant purchase, removing the correct balance from the user's attached bank account. Debit cards are distinct from credit cards in that they allow purchase based on available funds in the account to be deducted immediately, instead of by using a line of credit that can be repaid at a later time.

Most debit cards have two features: the ability to purchase items at stores that have automated debit or credit card machines, and the ability to withdraw cash from your bank account at an automatic transaction machine (ATM). They are available in most countries of the world, and have nearly supplanted the use of checks in the United States. However, the cards possess many dangers to the user, both in terms of possible identity theft and unexpected bank fees.
 Most forms of debit card require a personal identification number (PIN) as a security feature. When removing money from an ATM or using an automatic purchasing machine at a store, the user will have to enter their PIN for verification. In online purchases, the PIN is usually not required, but users will often need to enter the three or four digit security code listed on the back of the card. Additional safety measures common for debit cards include a photograph of the card's owner on the front, or an electronically reproduced customer signature imprinted on the card.

While the security features hold up well for in-person transactions, they leave debit card users vulnerable for online theft. If a thief steals your wallet, they will likely have all of the information they need to use your debit card for Internet transactions. If you have a dual credit/debit card, they may also be able to use it in stores that do not require a PIN for credit use. If you discover your card missing, or notice suspicious charges to your account, contact your bank immediately.

Another peril debit card users face is accidental charges. If you have a two or more linked bank accounts, such as checking and savings, you may sign up to have money transferred from one to the other in case of overdrawing your account. Read the fine print carefully, however, as some banks charge an overdraft fee of up to $20 US Dollars (USD) for each transfer of this kind. Banks may also set a limit of daily, weekly or monthly transactions you can use your debit card for. Exceeding this limit can also result in serious charges to your account.
Secure:
It is safer than carrying cash, has your signature for easy identification, and allows you to define your monthly purchase limit. You can even opt for a Photo Debit Card for added security.

Convenient:
Pay directly from your account for purchases made using your Debit Card.

Global Acceptability:
Visa Debit Card is accepted at all VISA merchants having electronic terminals, around the world.

PLUS:
Other superior Account features like 24-hour Internet & Banking, personalized relationship managers etc., The annual fee has been waived for customers!

24-hour Internet Access:
Now you can track up to the minute activity on your accounts over the internet with a click of a button!

Flexi Limits:
Personalize your Debit Card by assigning your spending limits*.

Avail Attractive Deals:
Swipe your Debit Card to avail amazing discounts and a host of other deals. Debit cardholders will be informed of all such offers from time to time.

Secure, convenient, with superior benefits.